# First Financial Credit Union (New Mexico) CD and share certificate rates

As of October 22, 2026, First Financial Credit Union (New Mexico)'s highest tracked CD (share certificate) rate is 3.40% APY on a 12-month CD ($25,000 minimum). That is 1.9 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 2.99% to 3.40% APY.

Canonical page: https://apyledger.com/cd-rates/first-financial-credit-union-new-mexico
Institution: First Financial Credit Union (NCUA 68244)
Aliases: 
Status: live
Last verified: 2026-10-22T16:22:05.000Z (October 22, 2026)
Official source: https://www.ffnm.org/services-tools/tools/rates.html
Coverage: Membership required. Share certificates from 3 to 60 months in $1,000 and $25,000 tiers, plus lower-minimum ($250/$500) certificate options listed on the source. IRA certificates are excluded. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Term Share/IRA Jumbo Certificates | standard | 3 months | $25,000 | 3.14% | Not ZIP-priced | −1.15% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| 1st Certificates | special | 3 months | $250 | 3.04% | Not ZIP-priced | −1.25% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| Kirby Kid Certificates | special | 3 months | $500 | 3.04% | Not ZIP-priced | −1.25% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| Term Share Certificates (TSC) | standard | 3 months | $1,000 | 3.04% | Not ZIP-priced | −1.25% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| Term Share/IRA Jumbo Certificates | standard | 6 months | $25,000 | 3.14% | Not ZIP-priced | −1.26% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| 1st Certificates | special | 6 months | $250 | 3.04% | Not ZIP-priced | −1.36% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| Kirby Kid Certificates | special | 6 months | $500 | 3.04% | Not ZIP-priced | −1.36% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| Term Share Certificates (TSC) | standard | 6 months | $1,000 | 3.04% | Not ZIP-priced | −1.36% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| Term Share/IRA Jumbo Certificates | standard | 12 months | $25,000 | 3.40% | Not ZIP-priced | −1.17% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| 1st Certificates | special | 12 months | $250 | 3.30% | Not ZIP-priced | −1.27% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| Kirby Kid Certificates | special | 12 months | $500 | 3.30% | Not ZIP-priced | −1.27% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| Term Share Certificates (TSC) | standard | 12 months | $1,000 | 3.30% | Not ZIP-priced | −1.27% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| Term Share/IRA Jumbo Certificates | standard | 18 months | $25,000 | 3.30% | Not ZIP-priced | −1.42% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| 1st Certificates | special | 18 months | $250 | 3.20% | Not ZIP-priced | −1.52% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| Kirby Kid Certificates | special | 18 months | $500 | 3.20% | Not ZIP-priced | −1.52% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| Term Share Certificates (TSC) | standard | 18 months | $1,000 | 3.20% | Not ZIP-priced | −1.52% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| Term Share/IRA Jumbo Certificates | standard | 24 months | $25,000 | 3.30% | Not ZIP-priced | −1.57% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| 1st Certificates | special | 24 months | $250 | 3.20% | Not ZIP-priced | −1.67% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| Kirby Kid Certificates | special | 24 months | $500 | 3.20% | Not ZIP-priced | −1.67% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| Term Share Certificates (TSC) | standard | 24 months | $1,000 | 3.20% | Not ZIP-priced | −1.67% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| Term Share/IRA Jumbo Certificates | standard | 30 months | $25,000 | 3.09% | Not ZIP-priced | −1.82% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| 1st Certificates | special | 30 months | $250 | 2.99% | Not ZIP-priced | −1.92% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| Kirby Kid Certificates | special | 30 months | $500 | 2.99% | Not ZIP-priced | −1.92% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| Term Share Certificates (TSC) | standard | 30 months | $1,000 | 2.99% | Not ZIP-priced | −1.92% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| Term Share/IRA Jumbo Certificates | standard | 36 months | $25,000 | 3.09% | Not ZIP-priced | −1.86% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| 1st Certificates | special | 36 months | $250 | 2.99% | Not ZIP-priced | −1.96% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| Kirby Kid Certificates | special | 36 months | $500 | 2.99% | Not ZIP-priced | −1.96% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| Term Share Certificates (TSC) | standard | 36 months | $1,000 | 2.99% | Not ZIP-priced | −1.96% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| Term Share/IRA Jumbo Certificates | standard | 48 months | $25,000 | 3.14% | Not ZIP-priced | −1.84% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| 1st Certificates | special | 48 months | $250 | 3.04% | Not ZIP-priced | −1.94% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| Kirby Kid Certificates | special | 48 months | $500 | 3.04% | Not ZIP-priced | −1.94% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| Term Share Certificates (TSC) | standard | 48 months | $1,000 | 3.04% | Not ZIP-priced | −1.94% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| Term Share/IRA Jumbo Certificates | standard | 60 months | $25,000 | 3.14% | Not ZIP-priced | −1.87% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| 1st Certificates | special | 60 months | $250 | 3.04% | Not ZIP-priced | −1.97% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| Kirby Kid Certificates | special | 60 months | $500 | 3.04% | Not ZIP-priced | −1.97% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |
| Term Share Certificates (TSC) | standard | 60 months | $1,000 | 3.04% | Not ZIP-priced | −1.97% | 2026-10-22T16:22:05.000Z | [Snapshot 347](https://apyledger.com/snapshots/347) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.